Whole of Market Mortgage Broker in UK
Needing Advice is your trusted whole of market mortgage broker for navigating the UK mortgage market. We compare every lender — not a restricted panel — and simplify the entire process for you, making your journey to homeownership or property investment stress-free.
FCA Regulated · 938312 · Hundreds of 5-star client reviews on Trustpilot
Role of Independent Mortgage Broker
Choosing a mortgage broker is one of the most important decisions in the mortgage process. The right choice can affect both the success of your application and the total cost over the life of your mortgage.
A whole of market mortgage broker compares hundreds of products from across the market. This means you get access to a wider choice and better deals than going directly to one lender. With such a broad range available, a good broker can find suitable options for almost any situation. Furthermore, they are more likely to uncover specialist deals that most buyers would never find on their own. The result is time saved and a mortgage suited specifically to your circumstances.
Which Lenders do we deal with?
Our panel includes all the main high street banks and building societies — Halifax, Santander, Natwest, Barclays, Nationwide, HSBC, Accord, Coventry and many more. Beyond those, we also work with a large number of smaller specialist lenders and building societies.
Complex income situations require specialist lender knowledge. For instance, income from a second job, working as a seafarer, or contracting through an umbrella company all have very specific lender requirements. Getting that match right is often the difference between an approval and a decline.
Whole of Market Mortgage Services Offered For
Our Journey as UK’s Preferred Independent Mortgage Broker
Although we started as a one-man business visiting clients at home, the way we work has evolved significantly. The mortgage process is now faster, more transparent and far easier for clients to manage.
Our mortgage recommendations are emailed to you so you can read them at your own pace. You can then come back to us with any questions or changes before committing. Our document gathering system uses a secure online portal specific to you, where all required documents can be uploaded in one place.
Throughout the process, we stay in regular contact and chase the lender directly to keep things moving. We have hundreds of 5-star reviews from our clients. We may not be the largest whole of market mortgage broker, but we work hard to maintain our reputation and look after our clients for the long term.
Have a look below at some of our client reviews and see how we help clients for yourself.
Why Choose Us as Your Mortgage Broker?
95% of applications we submit are agreed and move to offer stage. Your mortgage recommendations are emailed to you to read at your own pace. Documents upload through your own secure online portal, and we chase the lender directly so things keep moving.
These statistics, based on a selection of cases from January 2023 to December 2023, were compiled in January 2024.
Mortgage Broker Insights — Our Latest Guides
Whether you are a first-time buyer, remortgaging, or building a buy-to-let portfolio, Damian Youell and the team are ready to guide you through the mortgage process. Recommend a friend and win a £50 Amazon voucher through our refer a friend scheme.